function CalculateCosts()
{
 amount=document.form1.text1.value;
 owner = document.form1.opt2.selectedIndex;
 
if(amount>=0)
{
 if(owner == 0)
 {
      total = 0;
	if(amount > 600000)
      {	
      		if(amount <= 1000000)
      			total = (amount-600000)*0.03;
      		else if(amount <= 1500000)
			total = 12000 + (amount-1000000)*0.05;
		else total = 37000 + (amount-1500000)*0.08;
      }
     document.form1.textarea1.value="Transfer Duty : R "+total;  
 }
else {
 total = amount /10;
     document.form1.textarea1.value="Transfer Duty : R "+total;  
 }
}

}